النماذج المطبقة لإدارة التأمين التكافلي : أساليب تنمية العلاقة التشاركية بين المساهمين و المشتركين في إطار الحسابات المالية المزدوجة في شركات التأمين التكافلي

الملخص EN

This research aims to find ways of developing the participatory relationship between shareholders and subscribers in takaful insurance companies, that leads to a balance of interests under applicable management formats that has many Doctrinal and practical problems.

the study concluded that the applied practice is still surrounded by many challenges, more precisely the problem related to the insurance surplus.

which are mainly represented in the differentiation of the subscribers board over the shareholders board of rights and interests, where the most appropriate formula for managing the takaful insurance business is the mixed model between al-mudharabah, and al-wakalah contract.

in managing insurance, which the rights of subscribers and shareholders are relatively closer to justice.